Fiduciary Planners

Fiduciary Planners provides personalized financial planning and portfolio management primarily for individual clients, trusts and estates, and also offers pension and profit‑sharing plan consulting. Services described in the brochure include ongoing financial planning, discretionary portfolio management, Private Wealth Management, selection of third‑party managers, and pension consulting engagements.

The firm typically constructs client strategies using tailored model or custom portfolios and may allocate across individual equities, fixed income, mutual funds and ETFs, with ongoing monitoring and rebalancing. Its disclosures describe the use of analytic approaches such as technical and fundamental analysis and note potential employment of short sales and structured instruments, with attendant liquidity and market risks and the possibility of more active trading in some strategies.

A few features noted in the brochure distinguish the firm from many peers: its investment professionals are licensed insurance agents and Independent Marketing Associates with Pre‑Paid Legal Services, and they may receive commission‑based compensation for insurance and membership products (commissions are disclosed and may be offset against advisory fees). The firm also provides pension consulting that is generally non‑discretionary and offers a Private Wealth Management service focused on active coordination with clients’ other advisors, a combination that is less common among small, independent advisory practices.